Financial Planning & Wealth

CISI Certificate in Advanced Financial Planning

Official CISI Accredited Training Partner

Structured preparation for the CISI Level 6 Certificate in Advanced Financial Planning, covering all ten current learning outcomes and the three-section written assessment.

300 Answer-Planning Prompts Detailed Study Notes Written-Answer Focused Revision

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Course syllabus information reviewed for 2026. Always check the awarding body’s latest official syllabus and candidate updates before booking or sitting your exam.

5 written practice papers · 300 answer-planning prompts

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Prepare for the CISI Advanced Financial Planning examination

Advanced Financial Planning is the Level 6 examination stage in the UK CISI Certified Financial Planner pathway. It builds on an RDR-compliant qualification for FCA Activities 4 and 6 and precedes the separate Level 7 Financial Plan Case Study.

This course page follows the latest official syllabus structure reviewed for 2026. It covers ten learning outcomes spanning the complete client-planning process: financial-planning principles and management, tax, trusts, investments, insurance, retirement, estate planning and business financial planning.

The official assessment is a three-hour, 100-mark written examination. Section A contributes 40% through compulsory short answers across the whole syllabus; Section B contributes 20% through compulsory applied questions; and Section C contributes 40% through one compulsory structured case-study question. The course includes ten detailed lessons, 236 flashcards, 286 reference items including 40 worked-calculation resources, 300 answer-planning practice questions in five practice sets, and five original timed written papers. The written papers use the official section-mark proportions; the selected-response drills support answer planning and do not reproduce the official written examination.

Key Benefits

Three-section written-exam method

Prepare different answer structures for short-answer, applied-analysis and compulsory case-study work.

✓ Section A retrieval and calculations
✓ Section B application and financial analysis
✓ Section C critical case-study prioritisation

Integrated client-planning coverage

Connect all ten official outcomes instead of revising tax, investment, protection and estate issues in isolation.

✓ Client discovery and objectives
✓ Strategy evaluation and recommendation
✓ Implementation and ongoing review

Clear CFP pathway positioning

Understand how the Level 6 examination builds on RDR knowledge and leads towards the separate Level 7 Financial Plan Case Study.

✓ Level 6 examination stage
✓ RDR Activities 4 and 6 entry basis
✓ Progression to Level 7 case work

Syllabus

Module 1: The Financial Planning Process

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Prospective client relationships, information analysis, recommendation development, implementation, reviews and the effect of financial technology.

• Client needs, objectives, vulnerability and scope
• Quantitative and qualitative information
• Recommendations, implementation and disclosure
• Reviews, benchmarks and Fintech

Module 2: Financial Planning Principles

The trusted-adviser role, external drivers, law and ethics, regulatory requirements, risk profiling, time value of money and client behaviour.

• Planner versus adviser
• Consumer Duty and vulnerable clients
• Risk profiling and financial competence
• Biases, changing circumstances and ESG preferences

Module 3: Financial Management

Net-worth and cash-flow statements, budgets, competing demands, emergency funds and financing alternatives.

• Net worth and cash flow
• Budget adequacy
• Emergency provision
• Credit and financing choices

Module 4: Tax Principles and Optimisation

Current and future tax liabilities, client account structures, tax-planning strategies, financial impacts and implementation priorities.

• Taxable assets and liabilities
• Current, deferred and future tax
• Onshore and offshore considerations
• Strategy evaluation and prioritisation

Module 5: Wills, Trusts and their Uses

Trust purpose and law, deeds, trustees, registration, trust types, taxation and applications in financial planning.

• Trust law and deeds
• Trustees and registration
• Lifetime and death trusts
• Retirement, protection, estate and tax uses

Module 6: Investment Planning / Asset Management

Portfolio theory, CAPM, allocation, behavioural bias, real returns, investment vehicles, policy statements, ESG, climate and digital assets.

• Modern portfolio theory and CAPM
• Asset allocation and client cash flows
• Suitability, SDR and anti-greenwashing
• Climate and digital-asset risks

Module 7: Risk Management and Insurance Planning

Risk-management strategies, mortality and morbidity exposures, existing insurance adequacy, priorities and the effects of changing cover.

• Risk-management strategies
• Mortality and morbidity
• General insurance and subrogation
• Coverage priorities and changes

Module 8: Retirement Planning

Capital and income needs, projections and assumptions, objectives and trade-offs, pension transfers and consolidation, and decumulation strategies.

• Retirement and lifestyle needs
• Projection assumptions
• Pension consolidation and transfers
• Retirement risks and decumulation

Module 9: Estate Planning and Wealth Transfer

Death taxes and costs, projected estate values, liquidity, planning strategies, wills and powers, probate, gifting and alternative vehicles.

• Taxes, expenses and estate liquidity
• Wills, LPAs and probate
• Lifetime and postmortem gifting
• Planning strategies and constraints

Module 10: Business Financial Planning

Business forms and law, taxation and accounts, ownership rights, protection, benefits, retirement, sale, succession and valuation.

• Business structures and legislation
• Tax, accounts and pre-emption
• Protection and employee benefits
• Sale, succession and valuation

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Frequently Asked Questions

It is a three-hour written examination worth 100 marks. Section A is 40% and uses compulsory short-answer questions across the whole syllabus; Section B is 20% and uses one or more compulsory applied questions; Section C is 40% and uses one compulsory structured case-study question.

It is the Level 6 examination stage in the UK pathway towards CISI Certified Financial Planner certification. Eligible candidates progress separately to the Level 7 Financial Plan Case Study after completing the required Level 6 stage.

The current official syllabus states that the unit builds on knowledge gained from an RDR-compliant qualification for FCA Activities 4 and 6. Candidates should check current CISI entry and certification requirements for their route.

Version 7.1 contains ten learning outcomes: the financial-planning process, planning principles, financial management, tax, wills and trusts, investment planning, risk and insurance, retirement, estate planning and business financial planning.

Yes. The course contains five original three-hour written practice papers, ten lessons, 236 flashcards, a formula and planning reference, and 300 answer-planning practice questions. Practice feedback and the platform mastery target are not official CISI marks or pass predictions.

Try the free written practice paper and type your answers in guided mode. The course includes 5 written practice papers. The 15 multiple-choice questions below support answer planning; they do not by themselves reproduce the official written assessment.

Try a Written Practice Paper

Type your answers in guided practice. This paper provides 100 practice marks and 180 minutes. Open guided mode to try the free written question; marking guidance appears after submission.

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Free CISI Certificate in Advanced Financial Planning Written Exam Sample Questions

Try 15 CISI Certificate in Advanced Financial Planning answer-planning prompts from Chapter 1

Practice CISI Certificate in Advanced Financial Planning written-exam answer planning with sample prompts and model structures, then unlock all five planning sets and the full study materials.

Exam Practice

Chapter 1

Scenario 1 of 15

Which activity normally follows agreement of a financial-planning relationship and scope?

1 / 15

Flashcards

Card 1 of 10Chapter 1

Question

What are the six stages of the financial planning process?

Tap to reveal answer

Focus Learn

Key Written-Exam Areas6

1.1 Relationship, client types, objectives, constraints, conflicts, vulnerability, scope and Consumer Duty
1.2 Information requirements, quantitative and qualitative analysis, literacy and assumptions
1.3 Strategy comparison, objective presentation and modification
1.4 Activities, responsibilities, professional referrals, lawful sharing and disclosures
1.5 Review purpose, frequency, benchmarks, performance, feedback and renewed scope
1.6 Fintech benefits, limitations and controls

Written-Answer Pitfalls to Avoid4

Exam Traps3

Key Numbers4

Chapter 1: The Financial Planning Process

1.1 Establish a relationship that can deliver the client's objectives

Financial planning connects a person's resources with the life they want, makes competing demands visible and turns priorities into coordinated action. Its six stages are establishing the relationship, gathering information, analysing the position, developing and presenting recommendations, implementing them, and reviewing progress. The process is iterative: new information can change an earlier objective or require a different scope. A product purchase is one possible implementation step, not the definition of a financial plan.

Identify the client and the authority to act. An individual, a couple, a business and a body of trustees have different ownership, decision-making and legal constraints. A director is not aut…

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Instant feedback & explanations

See the answer and explanation after each choice.

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Timed answer-planning practice

Use the timer, keep answers hidden, then review your result.

Who Is This For?

✓ Candidates preparing for the CISI Advanced Financial Planning Level 6 examination

✓ UK financial planners progressing towards the CISI Certified Financial Planner certification

✓ Advisers who hold an RDR-compliant qualification for FCA Activities 4 and 6

✓ Experienced planners who need an integrated review of client analysis, recommendations and implementation

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